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How do I get a loan with my car title?
My grandmother lives with me and finances have been strained as I lost my job during the pandemic. I was able to get a new job, but I won't get paid in time to pay for utilities. I own my car and have the title. I’ve seen ads for car title loans for quick cash. How do I get a loan with my car title?
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m so sorry to hear things have been difficult for you. Since you own your car and have the title, you can get a title loan with:
- Identification
- Proof of residence
- Proof you can pay them back
- A title that shows you’re the only owner
- Copy of car keys
- Vehicle registration
While it’s possible to get a title loan, most states consider them predatory loans. Dangers of a title loan include:
- Repossession of your car
- High-interest rates
- Short term lengths
If possible, try any other route before agreeing to a title loan. Some options are:
- A personal loan
- Short term bank loan
- Peer to peer loan
- Payment arrangement with your utility company
- Your community or state may have nonprofit services that you can qualify for. Check with your local churches, library, and government assistance programs.
To help you save money until your next paycheck, consider looking at your options for car insurance. With the
Jerry
app, you can compare 50+ top insurers to find the best rate for the coverage you require. The average Jerry user saves $879 a year!View full answer
- Gregory R.
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